What does Cholamandalam Health Insurance cover?

Hospitalisation, daycare treatments, pre- and post-hospitalisation, critical illnesses, maternity, newborn care, and preventive health check-ups are covered.

Are pre-existing diseases covered?

Only after the waiting period allowed for pre-existing conditions in the policy will they be covered.

Does it cover critical illnesses like cancer or heart attack?

Certainly, choices of cover enabling severe diseases like cancer, heart attack, stroke, and kidney failure are possible.

Are maternity and newborn expenses covered?

In some cases, delivery, baby care, and vaccination are part of the plan.

Is the policy covering ambulance charges?

Usually, ambulance charges are a part of the emergency section and are covered under the plan.

Are outpatient treatments covered?

Mainly Cholamandalam Health Insurance focuses on inpatient and daycare treatments. However, outpatient treatments can be allowed in certain add-on plans.

Is pre-hospitalisation and post-hospitalisation covered?

Yes, medically caused expenses before and after hospitalisation as per policy limits are covered.

What is a cashless claim?

In a cashless claim, the hospital bills are paid directly by the insurance company at network hospitals. You don’t have to pay anything from your pocket (except personal expenses).

How do I make a cashless claim?

Visit a network hospital, inform OneAssure, carry your ID and health card, fill the pre-authorization form, and wait for approval.

What is a reimbursement claim?

If you go to a non-network hospital, you pay the bill yourself and submit documents to the insurer to get the money back.

How long does it take to settle a cashless claim?

Usually within a few hours for planned treatments; emergencies may be faster.

How long does reimbursement take?

After submitting all documents, claims are processed within the period mentioned in your policy, usually 15–30 days.

What documents are needed for reimbursement?

Hospital bills, receipts, prescriptions, test reports, discharge summary, and the filled claim form.

Can I claim for multiple hospitalisations in a year?

Yes, as long as your total claim amount doesn’t exceed the sum insured.

What if my claim is partially rejected?

You will receive the approved amount, and reasons for rejection will be shared.

It is the maximum amount your insurance will pay during a policy year.

What is a waiting period?

The period you must wait before certain treatments or pre-existing diseases are covered.

What is a network hospital?

Hospitals tied up with the insurance company where you can avail of cashless treatment.

The percentage of the claim amount you may need to pay yourself, as per policy terms.

What is a deductible?

A fixed amount you must pay before the insurance starts covering your expenses.

Can I increase my sum insured later?

Yes, you can opt for a top-up or enhancement at policy renewal.

Are preventive health check-ups included?

Many plans include annual check-ups to detect health issues early.

Can I cover my parents or spouse?

Yes, most plans allow covering family members including spouse, children, and parents.

Are daycare procedures covered?

Yes, hundreds of procedures are covered even if hospitalisation is less than 24 hours.

Does the policy cover alternative treatments like Ayurveda or Homeopathy?

Some plans provide coverage for alternative medicine treatments in network hospitals.

OneAssure

Health Insurance

Cholamandalam MS General Insurance

Cholamandalam MS General Insurance

Get a Quote

93.2%

Claim Settlement Ratio

12,000+

Network Hospitals

6.7

Overall Rating

Cholamandalam MS General Insurance

Our Verdict About Cholamandalam Health Insurance

Cholamandalam Health Insurance serves 5 crore+ customers across India and offers 24x7 claim support. With strong financial stability and a growing network of hospitals, it provides reliable, affordable health cover for families and individuals.

What We Like

Competitive premiums and multiple plan choices

10,000+ network hospitals with quick claim support

Restoration and recharge benefits in select plans

Comprehensive coverage including daycare, donor, and domiciliary car

Wide sum insured options (₹50,000 – ₹5 crore) for varied needs

Areas of Improvement

Some treatments and consumables not covered

Sub-limits and waiting periods in certain plans

What We Like

Competitive premiums and multiple plan choices

10,000+ network hospitals with quick claim support

Restoration and recharge benefits in select plans

Comprehensive coverage including daycare, donor, and domiciliary car

Wide sum insured options (₹50,000 – ₹5 crore) for varied needs

Areas of Improvement

Some treatments and consumables not covered

Sub-limits and waiting periods in certain plans

Final Verdict

Chola MS Health Insurance offers a strong overall value proposition for both families and individuals: good plan variety, broad cover, strong hospital network, and extras like restoration benefits. It is especially suited if you’re looking for flexible sum insured & good hospital access. However, as with all health insurance, you’ll...

Chola MS Health Insurance offers a strong overall value proposition for both families and individuals: good plan variety, broad cover, strong hospital network, and extras like restoration benefits. It is especially suited if you’re looking...

Cholamandalam MS General Insurance

Top Cholamandalam MS General Insurance Plans

Flexi Health

Covers pre and post-hospitalisation expenses.
Lets you choose your own sum insured and benefits.
Simple, customisable plan for individuals and families.

Most Popular

Chola Healthline

Gives no-claim bonus for staying healthy.
Offers family floater option for shared coverage.
Covers hospitalisation, surgery, medicines, and ICU charges.

Flexi Health

Covers pre and post-hospitalisation expenses.
Lets you choose your own sum insured and benefits.
Simple, customisable plan for individuals and families.

Most Popular

Chola Healthline

Gives no-claim bonus for staying healthy.
Offers family floater option for shared coverage.
Covers hospitalisation, surgery, medicines, and ICU charges.

Cholamandalam MS General Insurance

Other Cholamandalam MS General Insurance Plans

Chola Flexi Health Supreme Premiere

Zero disease wise sub-limits (enjoy complete freedom in treatment)
Unlimited room choice for policies above ₹2 lakhs
Day-one coverage for your newborn baby

Flexi Health Supreme

Provides ambulance cover during emergencies.
Includes maternity and newborn care benefits.
Covers hospitalisation, emergencies, and major medical bills.

Supreme Premier

Zero disease wise sub-limits (enjoy complete freedom in treatment)
Unlimited room choice for policies above ₹2 lakhs
Day-one coverage for your newborn baby

Chola Flexi Super Topup

Covers your extended family too (add parents or in-laws easily)
Save more on renewals: 5% off for 2 years, 10% off for 3 years
AYUSH coverage included for holistic health and wellness

Chola Flexi Health Supreme Premiere

Zero disease wise sub-limits (enjoy complete freedom in treatment)
Unlimited room choice for policies above ₹2 lakhs
Day-one coverage for your newborn baby

Flexi Health Supreme

Provides ambulance cover during emergencies.
Includes maternity and newborn care benefits.
Covers hospitalisation, emergencies, and major medical bills.

Supreme Premier

Zero disease wise sub-limits (enjoy complete freedom in treatment)
Unlimited room choice for policies above ₹2 lakhs
Day-one coverage for your newborn baby

Chola Flexi Super Topup

Covers your extended family too (add parents or in-laws easily)
Save more on renewals: 5% off for 2 years, 10% off for 3 years
AYUSH coverage included for holistic health and wellness

Cholamandalam MS General Insurance

About Cholamandalam MS General Insurance

Cholamandalam MS General Insurance

Cholamandalam MS General Insurance Rating

Overall Rating

6.7

out of 10

Solvency

2.3/4

ICR

2.1/3

Growth

2.3/3

Performance Index

Gross Direct Premium

Cholamandalam MS General Insurance

1104.16Cr

Industry Average

1905.12Cr

ICR%

Cholamandalam MS General Insurance

66.67%

Industry Average

83.49%

Cholamandalam MS General Insurance

Industry Average

Overall Rating

6.7

out of 10

Solvency

2.3/4

ICR

2.1/3

Growth

2.3/3

Performance Index

Gross Direct Premium

Cholamandalam MS General Insurance

1104.16Cr

Industry Average

1905.12Cr

Cholamandalam MS General Insurance

Industry Average

Performance Index

ICR%

Cholamandalam MS General Insurance

66.67%

Industry Average

83.49%

Cholamandalam MS General Insurance

Industry Average

Cholamandalam MS General Insurance

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help – highly recommended!

Yogesh Meena

Cholamandalam MS General Insurance

Pros and Cons

Pros

Comprehensive hospitalisation cover including room rent, ICU, and surgeries.
Covers pre- and post-hospitalisation medical expenses.
Includes maternity, newborn care, and vaccination benefits.
Covers hundreds of daycare procedures not requiring 24-hour stay.
Provides critical illness protection for major diseases.
Includes free annual preventive health check-ups.

Cons

Some benefits like maternity or critical illness cover only in higher plans.
Waiting periods apply for pre-existing diseases and certain treatments.
Limited global coverage compared to some competitors.
Cashless hospital network smaller in remote areas.
Co-payment or room rent limits may apply in lower variants.

Pros

Comprehensive hospitalisation cover including room rent, ICU, and surgeries.
Covers pre- and post-hospitalisation medical expenses.
Includes maternity, newborn care, and vaccination benefits.
Covers hundreds of daycare procedures not requiring 24-hour stay.
Provides critical illness protection for major diseases.
Includes free annual preventive health check-ups.

Cons

Some benefits like maternity or critical illness cover only in higher plans.
Waiting periods apply for pre-existing diseases and certain treatments.
Limited global coverage compared to some competitors.
Cashless hospital network smaller in remote areas.
Co-payment or room rent limits may apply in lower variants.

Cholamandalam MS General Insurance

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

Cholamandalam MS General Insurance Types

Family Health Insurance

A Family Health Insurance plan is a wonderful way to cover the whole family with one policy, it provides shared coverage and the premium is more economical. The policy covers the expenses of hospitalization, daycare procedures, and pre/post-hospitalization and thus, it assures the protection of the people you love.

Individual Health Insurance

This scheme for individuals only provides coverage of medical expenses suitable for one person. Along with hospitalization costs, diagnostic tests, and surgeries are also included in the contract to ensure the necessary medical attention which will, in turn, not be a burden on your wallet.

Senior Citizen Health Insurance

The scheme is for the individuals who are over 60 years of age providing the medical expenses coverage which includes the hospitalization and the pre/post-hospitalization costs as well. The purpose of the policy is to distribute the financial risk and keep the seniors safe and healthy in such a way that they are able to gain access to the best healthcare services.

Critical Health Insurance

This policy offers a full amount of money once the patient is diagnosed with the diseases listed as critical such as cancer, heart attack, or stroke. The money can be used for the treatment, recovery, or other related expenses, thus, the policy is a great help to the insured when the situation becomes tough.

Maternity Insurance

Maternity Insurance takes care of all the expenses of childbirth, such as the hospital stay, doctor's consultations, and delivery charges. Moreover, it covers the baby for the first 90 days to make the care complete for both the mother and the infant.

Family Health Insurance

A Family Health Insurance plan is a wonderful way to cover the whole family with one policy, it provides shared coverage and the premium is more economical. The policy covers the expenses of hospitalization, daycare procedures, and pre/post-hospitalization and thus, it assures the protection of the people you love.

Individual Health Insurance

This scheme for individuals only provides coverage of medical expenses suitable for one person. Along with hospitalization costs, diagnostic tests, and surgeries are also included in the contract to ensure the necessary medical attention which will, in turn, not be a burden on your wallet.

Senior Citizen Health Insurance

The scheme is for the individuals who are over 60 years of age providing the medical expenses coverage which includes the hospitalization and the pre/post-hospitalization costs as well. The purpose of the policy is to distribute the financial risk and keep the seniors safe and healthy in such a way that they are able to gain access to the best healthcare services.

Critical Health Insurance

This policy offers a full amount of money once the patient is diagnosed with the diseases listed as critical such as cancer, heart attack, or stroke. The money can be used for the treatment, recovery, or other related expenses, thus, the policy is a great help to the insured when the situation becomes tough.

Maternity Insurance

Maternity Insurance takes care of all the expenses of childbirth, such as the hospital stay, doctor's consultations, and delivery charges. Moreover, it covers the baby for the first 90 days to make the care complete for both the mother and the infant.

Documents Required

Identity Proof

Aadhaar Card, PAN Card, or Passport

Address Proof

Utility Bill or Voter ID

Age Proof

Birth Certificate or Driving License

Photographs

Recent passport-size photos

Income Proof

Needed only for high cover plans (if applicable)

Identity Proof

Aadhaar Card, PAN Card, or Passport

Address Proof

Utility Bill or Voter ID

Age Proof

Birth Certificate or Driving License

Photographs

Recent passport-size photos

Income Proof

Needed only for high cover plans (if applicable)

Cholamandalam MS General Insurance

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

1-5 of 6 Process

Cholamandalam MS General Insurance

Renewal Process

Easily renew your policy online or offline to enjoy uninterrupted health coverage

Cholamandalam MS General Insurance Network Hospitals

12,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

12,000+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Cholamandalam MS General Insurance

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Most Popular

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Most Popular

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Cholamandalam MS General Insurance

How to Buy Cholamandalam MS General Insurance?

Follow these simple steps to purchase your Cholamandalam MS General Insurance health insurance policy and secure comprehensive coverage for you and your family.

Things to Remember